Alltru Federal Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.5 on a scale of 0 to 10). A current level of 17.6 percent of nonperforming loans to core capital contributes to the Fair asset quality (4.4).
Other Rating Factors:
Good current capitalization (5.5 on a scale of 0 to 10) based on a net capital to total assets of 7.9 and a net worth ratio of 9.2. Weak liquidity 2.3, driven by a liquidity ratio of 7.6 percent and a “hot money” ratio of 14.8 percent.
Asset Mix:
Consumer loans (63%), home mtgs (7%), comm loans (0%), other (30%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
1232 Wentzville Parkway
Wentzville, MO 63385
Wentzville, MO 63385
Phone Number
(636) 916-8300
NCUA Charter Number
Website
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